{"id":266257,"date":"2025-05-29T07:23:58","date_gmt":"2025-05-29T00:53:58","guid":{"rendered":"https:\/\/ayasompo.com\/?page_id=266257"},"modified":"2025-06-09T11:44:24","modified_gmt":"2025-06-09T05:14:24","slug":"corporate-policies","status":"publish","type":"page","link":"https:\/\/ayasompo.com\/en\/corporate-policies\/","title":{"rendered":"Corporate Policies"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"266257\" class=\"elementor elementor-266257\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-349c4d5 elementor-section-stretched elementor-section-height-min-height elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle parallax_section_no qode_elementor_container_no\" data-id=\"349c4d5\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7454c5 elementor-hidden-mobile\" data-id=\"f7454c5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-bcc9542 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"bcc9542\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-922f885\" data-id=\"922f885\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11b6c5d elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"11b6c5d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Policies for <span style=\"color: #CE123D\">Adaptability,<\/span><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c01407a elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c01407a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Efficiency<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfaf0fe elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"cfaf0fe\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">,and<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee2046f elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ee2046f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">transparency.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cffaf0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4cffaf0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Our policies ensure corporate adherence to market standards.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-0c6445c elementor-section-stretched elementor-section-height-min-height elementor-section-items-top elementor-hidden-desktop elementor-hidden-tablet elementor-section-boxed elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"0c6445c\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6835a77\" data-id=\"6835a77\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5918d13 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5918d13\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Policies for<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e83a1f3 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"e83a1f3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Adaptability, Efficiency,<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aff499e elementor-absolute elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"aff499e\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">and<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b625e4 elementor-absolute elementor-widget__width-auto elementor-widget-mobile__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8b625e4\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">transparency.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bcc597 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"9bcc597\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInLeft&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Our policies ensure corporate adherence to market standards.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-9f8773c elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"9f8773c\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f59062e\" data-id=\"f59062e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-8e7c67c elementor-section-full_width elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"8e7c67c\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ce7fa76\" data-id=\"ce7fa76\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b57d9d elementor-widget elementor-widget-elementskit-tab\" data-id=\"0b57d9d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_hash_change&quot;:&quot;1&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-tab.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >        <div class=\"elementkit-tab-wraper   elementskit-fitcontent-tab\">\n            <ul class=\"nav nav-tabs elementkit-tab-nav\" role=\"tablist\">\n                                    <li class=\"elementkit-nav-item elementor-repeater-item-27343ce\">\n                        <a class=\"elementkit-nav-link  active left-pos\" id=\"content-27343ce69de96108dc59-tab\" data-ekit-handler-id=\"whistleblowing-policy\" data-ekit-toggle=\"tab\" href=\"#content-27343ce69de96108dc59\"\n                            data-ekit-toggle-trigger=\"click\"\n                           role=\"tab\" aria-controls=\"content-27343ce69de96108dc59\" aria-selected=\"true\">\n                                                        <div class=\"ekit-tab-title-group\">\n                                                                <span class=\"elementskit-tab-title\">Whistleblowing Policy<\/span>\n                            <\/div>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-08105e5\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-08105e569de96108dc59-tab\" data-ekit-handler-id=\"cookie-policy\" data-ekit-toggle=\"tab\" href=\"#content-08105e569de96108dc59\"\n                            data-ekit-toggle-trigger=\"click\"\n                           role=\"tab\" aria-controls=\"content-08105e569de96108dc59\" aria-selected=\"true\">\n                                                        <div class=\"ekit-tab-title-group\">\n                                                                <span class=\"elementskit-tab-title\">Cookie Policy<\/span>\n                            <\/div>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-e6192f9\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-e6192f969de96108dc59-tab\" data-ekit-handler-id=\"quality-policy\" data-ekit-toggle=\"tab\" href=\"#content-e6192f969de96108dc59\"\n                            data-ekit-toggle-trigger=\"click\"\n                           role=\"tab\" aria-controls=\"content-e6192f969de96108dc59\" aria-selected=\"true\">\n                                                        <div class=\"ekit-tab-title-group\">\n                                                                <span class=\"elementskit-tab-title\">Quality Policy<\/span>\n                            <\/div>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-b1887ec\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-b1887ec69de96108dc59-tab\" data-ekit-handler-id=\"corporate-governance-policy\" data-ekit-toggle=\"tab\" href=\"#content-b1887ec69de96108dc59\"\n                            data-ekit-toggle-trigger=\"click\"\n                           role=\"tab\" aria-controls=\"content-b1887ec69de96108dc59\" aria-selected=\"true\">\n                                                        <div class=\"ekit-tab-title-group\">\n                                                                <span class=\"elementskit-tab-title\">Corporate Governance Policy<\/span>\n                            <\/div>\n                        <\/a>\n                    <\/li>\n                                        <li class=\"elementkit-nav-item elementor-repeater-item-03844ce\">\n                        <a class=\"elementkit-nav-link  left-pos\" id=\"content-03844ce69de96108dc59-tab\" data-ekit-handler-id=\"aml-cft-policy\" data-ekit-toggle=\"tab\" href=\"#content-03844ce69de96108dc59\"\n                            data-ekit-toggle-trigger=\"click\"\n                           role=\"tab\" aria-controls=\"content-03844ce69de96108dc59\" aria-selected=\"true\">\n                                                        <div class=\"ekit-tab-title-group\">\n                                                                <span class=\"elementskit-tab-title\">AML\/CFT Policy<\/span>\n                            <\/div>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n\n            <div class=\"tab-content elementkit-tab-content\">\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-27343ce  active show\" id=\"content-27343ce69de96108dc59\" role=\"tabpanel\"\n                         aria-labelledby=\"content-27343ce69de96108dc59-tab\">\n                        <div class=\"animated fadeIn\">\n                            \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"0b57d9d\"  data-elementskit-widgetarea-index=\"1\">\n\t\t\t<div class=\"widgetarea_warper_edit\" data-elementskit-widgetarea-key=\"0b57d9d\" data-elementskit-widgetarea-index=\"1\">\n\t\t\t\t<i class=\"eicon-edit\" aria-hidden=\"true\"><\/i>\n\t\t\t\t<span>Edit Content<\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"237270\" class=\"elementor elementor-237270\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5c2ce79 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"5c2ce79\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8fbab44\" data-id=\"8fbab44\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-127d0e0 elementor-widget elementor-widget-text-editor\" data-id=\"127d0e0\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>SECTION 1: OBJECTIVES<\/strong><\/p><p>The policy is created to comply with the requirements of Guideline 11.7 of the Singapore Code of Corporate Governance 2005. The purpose of this policy is to:<br \/>1.1. Provide an avenue for employees to raise concerns about fraud or malpractice with- in the Company and its subsidiaries which they have become aware of<br \/>1.2. Provide reassurance that the employees will be protected from reprisals or victimization for whistle blowing made in good faith and without malice.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-184812f elementor-widget elementor-widget-text-editor\" data-id=\"184812f\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>SECTION 2: STATEMENT OF POLICY<\/strong><\/p><p>AYA SOMPO Insurance Company Limited is committed to the highest standard of quality, honesty, openness and accountability, and encourages employees with serious concerns to come forward to express those concerns. Employees raising concerns in good faith can do so without fear of reprisal or victimization. The Company is committed to this policy. Employees who raise genuine concerns under this policy should not feel they are at risk of losing their job or suffering any form of retribution as a result. Provided they are acting in good faith, it does not matter if employees are mistaken or if there is an innocent explanation for their concerns.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af7dfe9 elementor-widget elementor-widget-text-editor\" data-id=\"af7dfe9\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>SECTION 3: SCOPES<\/strong><\/p><p>This policy applies to all full-time, part-time and contract employees of AYA SOMPO Insurance Company Limited. This policy is intended to deal with serious or sensitive concerns about such as the following:<br \/>3.1. Financial frauds and malpractice<br \/>3.2. Unauthorized use of Company money<br \/>3.3. Corruption<br \/>3.4. Unlawful acts<br \/>3.5. A person abusing his\/her position for any unauthorized use or for personal gain<br \/>3.6. Non-adherence to major control policies (for example, removing of assets without proper approval)<br \/>3.7. Deliberately conceal information tending to show any to show any of the above.<\/p><p>This policy is not covering the following:<br \/>3.8. A person being discriminated against because of their race, color, religion, ethnic or national origin, disability, age, sex, home life, etc.<br \/>3.9. Staff complaints about their employment. These complaints are dealt with through \u2013 Grievance Handling Policy Customers\u2019 complaints about our products\/services.<br \/>3.10. These complaints are dealt by the Customer Care Services<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96ecd02 elementor-widget elementor-widget-text-editor\" data-id=\"96ecd02\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>SECTION 4: PROCEDURE TO FOLLOW<\/strong><\/p><p>Stage \u2013 1 Who to Raise a Concern to<\/p><p>You can approach your immediate Director, Manager or our appointed Whistle Blowing. If you feel unable to raise the matter with your immediate Manager or our appointed Whistle Blowing Officers for whatever reason or are not satisfied with the outcome of initial investigation, you can raise the matter up with the CEO, either personally or via e-mail. If the above channels have been followed and you still have concerns or if you feel that the matter is so serious that you cannot discuss it with any of the above, you can e-mail only to the Chairman of Audit, Risk and Compliance Committee.<\/p><p>Stage \u2013 2 How to Raise a Concern<\/p><p>It is best that you could provide them with as much information as possible, including any relevant names, dates and places and so on. You will have to show them that there are good reasons for your concern. The earlier you raise a concern, the easier it will probably be to take effective action.<\/p><p>Stage \u2013 3 How We Respond to Your Concern<\/p><p>In dealing with your concern under this Policy, the Chief Executive Officer and or appointed whistle blowing officers have a responsibility to:<br \/>a) Take concerns seriously.<br \/>b) Consider them fully and sympathetically.<br \/>c) Recognize that raising a concern can be a difficult experience for you and to offer support.<br \/>d) Investigate and resolve the matter as quickly as possible.<br \/>e) Ensure that you are informed of the outcome of the matter.<br \/>f) Ensure that there is no victimization of your raising concerns.<br \/>g) Ensure that protection is offered if the concern comes with the legal definitions covered by established laws or legislation.<br \/>h) They may require you to meet them during the investigation process. The amount of contact you have with them will depend on the nature of your concern, the potential difficulties involved and how clear the information you have provided. Meetings with whistle blowing officers will normally take place in the Head Office. You may be accompanied by a friend or colleague during the meeting.<br \/>i) They will keep your concerns confidential and will not reveal your name or position without your per- mission or unless they have to do so by law.<br \/>j) If the concern later turns out not to be justified, but was raised in good faith and without malice, you can still expect support. However, if you have raised a concern that later turns out to be malicious or brought in bad faith, you will be disciplined accordingly. Any staff who try to discourage his\/her col- leagues from coming forward, or criticize or victimize them after voicing a concern, will be disciplinary dealt with.<\/p><p>Stage \u2013 4 Monitoring &amp; Documentation Concerns<\/p><p>Whistle blowing officers will maintain a record of concerns raised under this policy, the outcomes and areas of improvement (in a form which does not endanger confidentiality and where applicable, protects the identity of the complainant).<\/p><p>Stage \u2013 5 Periodic Reporting<\/p><p>The whistle blowing officers will report the concerns received, outcome of each investigation conducted and action plans for improvement to the Chair of the Audit, Risk and Compliance Committee during the quarterly Audit, Risk and Compliance Committee Meetings.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5447521 elementor-widget elementor-widget-text-editor\" data-id=\"5447521\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>SECTION 5: PROTECTION FOR WHISTLEBLOWER<\/strong><\/p><p>The company will not retaliate against a whistleblower. This includes, but is not limited to, protection from retaliation in the form of an adverse employment action such as termination, compensation decreases, or poor work assignments and threats of physical harm. Any whistleblower who believes he\/she is being retaliated against must contact the Human Resources Director immediately. The right of a whistleblower for protection against retaliation does not include immunity for any personal wrongdoing that is alleged and investigated.<br \/>5.1. The company may not discharge, threaten, or otherwise discriminate against an employee regarding the employee\u2019s compensation, terms, conditions, location, or privileges of employment.<br \/>5.2. The organization may not disqualify an employee or other person who brings a matter of public concern or participates in a proceeding connected with a matter of public concern, before a public body or court, because of the report or participation, from eligibility to bid on contracts with the organization; receive land under a district ordinance; or receive another right, privilege, or benefit.<\/p><p>Limitation to protections<br \/>A person is not entitled to the protections under this policy unless he or she reasonably believes that the information reported is, or is about to become, a matter of public concern; and reports the information in good faith.<\/p><p>A person is entitled to the protections under this policy only if the matter of public concern is not the result of conduct by the individual seeking protection, unless it is the result of conduct by the person that was required by his or her employer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62d0175 elementor-widget elementor-widget-text-editor\" data-id=\"62d0175\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>SECTION 6: REVIEW OF POLICY<\/strong><\/p><p>This policy shall be reviewed annually by senior management. Any changes to the policy shall be communicated immediately to all responsible people.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6ee15 elementor-widget elementor-widget-text-editor\" data-id=\"4b6ee15\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>WHISTLEBLOWER REPORT FORM<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4947e0d elementor-widget elementor-widget-elementskit-button\" data-id=\"4947e0d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-no-translation=\"\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"ekit-btn-wraper\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/ayasompo.com\/Whistleblower\/report-form\" class=\"elementskit-btn  whitespace--normal\" id=\"\">\n\t\t\t\t\tReport Here\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n        <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8427f25 elementor-widget elementor-widget-elementskit-button\" data-id=\"8427f25\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-no-translation=\"\" data-widget_type=\"elementskit-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.elementor-element-8427f25{display:none !important}<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-08105e5\" id=\"content-08105e569de96108dc59\" role=\"tabpanel\"\n                         aria-labelledby=\"content-08105e569de96108dc59-tab\">\n                        <div class=\"animated fadeIn\">\n                            \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"0b57d9d\"  data-elementskit-widgetarea-index=\"2\">\n\t\t\t<div class=\"widgetarea_warper_edit\" data-elementskit-widgetarea-key=\"0b57d9d\" data-elementskit-widgetarea-index=\"2\">\n\t\t\t\t<i class=\"eicon-edit\" aria-hidden=\"true\"><\/i>\n\t\t\t\t<span>Edit Content<\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"237275\" class=\"elementor elementor-237275\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-e9881a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"e9881a6\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8ebc7d\" data-id=\"b8ebc7d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1af287 elementor-widget elementor-widget-text-editor\" data-id=\"d1af287\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>When you visit our web site, you may see that we use &#8220;cookies&#8221; in interacting with your web browser. A &#8220;cookie&#8221; is a piece of information that a website transfers to your computer hard drive for record keeping purposes. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our web site. Most cookies last only through a single session, or web site visit. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your Web browser to inform you when cookies are set or to prevent cookies from being set.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62b9229 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"62b9229\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What are Cookies?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbfc6e3 elementor-widget elementor-widget-text-editor\" data-id=\"bbfc6e3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Cookies are small text containing small amounts of information which are downloaded and may be stored on any of your web browsers or internet enabled devices that can later be read by the server &#8211; like a memory for a web page.<\/p><p>This means we automatically collect and store the following information about your visit:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-479be3e elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"479be3e\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">the internet domain and IP address from where you access the website;<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c574aaa elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"c574aaa\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">the type of browser software and configuration and operating system used to access the website;<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5fa8f elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"1e5fa8f\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">the date and time you access the website;<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98c568f elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"98c568f\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">if you linked to the website from another website, the address of that website; and<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e34a884 elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"e34a884\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">the pages you enter, visit and exit the website from, content viewed and duration of visits.<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a77954 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8a77954\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">How We Use Cookies?\n<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f444a6 elementor-widget elementor-widget-text-editor\" data-id=\"9f444a6\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We use cookies to improve your experience when you browse our websites (for example to show you information that\u2019s relevant to you, based on the sort of web content you\u2019ve looked at before) and to save you time by not having to re-enter your details each time you visit. We also use cookies to see how people interact with our websites, so we can make improvements to the site that make it easier to use.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e83a84 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6e83a84\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Why We Use Cookie?\n<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cd7ff0 elementor-widget elementor-widget-text-editor\" data-id=\"4cd7ff0\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Cookies that are required for the operation of the website and enable you to log into secure areas of the website is called\u00a0<strong>strictly necessary cookies<\/strong>.\u00a0<strong>Analytical\/performance cookies<\/strong>\u00a0allow us to recognize and count the number of visitors and to see how visitors move around and use our website. These cookies are used for web enhancement and optimization purposes and to aggregate statistics on how our visitors reach and browse our websites. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily and to help us understand what interests our users, and measure how effective our advertising is.\u00a0<strong>Functionality cookies<\/strong>\u00a0are used to recognize you when you return to the website. This enables us to personalize our content for you, tailor the website for your needs and remember your preferences, for example, your choice of language or region, browsing font size. Cookies that record your visit to the website, the pages you have visited and the links you have followed is called\u00a0<strong>targeting cookies<\/strong>. We will use this information to make our website and any material displayed on it more relevant to your interests. We may also share this information with third parties for this purpose; and\u00a0<strong>advertising cookies\u00a0<\/strong>will remember your preferences, and in general, that your used the website, to tailor advertising to you that are as relevant to you as possible, e.g. by selecting interest-based advertisements for you, or preventing or limiting the number of times you see the same advertisement to help measure the effectiveness of advertisements.<\/p><p>We may also use analytics companies and third-party service providers to gather information and aggregate data from our website visitors such as which pages are visited and how often they are visited, and to enable certain features on our websites. Information is captured using various technologies and may include cookies.<\/p><p>We may use and disclose your activity information unless restricted by this policy or by law. Some examples of the ways we use your activity information include:<\/p><p>1. Marketing, product development, and research purposes<\/p><p>2.Developing reports regarding website usage, activity and statistics<\/p><p>3.Customizing your experience on the website including managing and recording your preferences.<\/p><p>4.Enabling certain functions and tools on this website.<\/p><p>5.Tracking paths of visitors to this website and within this website.<\/p><p>6.Assisting users experiencing website problems.<\/p><p>7.Tracking resources and data accessed on the website.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00d9be8 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"00d9be8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Privacy Statement Of AYA SOMPO Insurance\n<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61c5f05 elementor-widget elementor-widget-text-editor\" data-id=\"61c5f05\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>AYA SOMPO Insurance Company Limited and its subsidiaries recognize our responsibilities in relation to the collection, use, disclosure and other processing and storage of personal data. Customers and potential customers expect us to maintain their information accurately, protected against manipulation and errors, secure from theft and free from unwarranted disclosure. We protect data security of our customers and potential customers by complying with the all relevant data protection laws and regulations.<\/p><p>We maintain reasonable administrative, technical and physical safeguards designed to protect the information that you provide on this website. However, no security system is impenetrable and we cannot guarantee the security of our website, nor can we guarantee that the information you supply will not be intercepted while being transmitted to us over the internet, and we are not liable for the illegal acts of third parties such as criminal hackers.<\/p><p>We may also share personal information with other third-party companies that we collaborate with or hire to perform services on our behalf. For example, we may hire a company to help us send and manage email, and we might provide the company with your email address and certain other information in order for them to send you an email message on our behalf. Similarly, we may hire companies to host or operate some of our websites and related computers and software applications.<\/p><p>We collect and store your personal information with the two ways,<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-237990d elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"237990d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">Directly- the personal data that you provide to us (for example, when you use enquiries or communications)<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08cd3c9 elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"08cd3c9\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">Indirectly- when you use our website, apps or social media platforms, or where you have provided it to us through any other means.<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8f4798 elementor-widget elementor-widget-text-editor\" data-id=\"d8f4798\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We may obtain lawfully collected personal or non-personal data about you from affiliated entities, business partners and other independent third parties\u2019 sources. We may also collect some information about your computer or other devices used when you visit this website, apps or social media platforms.<\/p><p>The personal data we collect includes the following:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d8a40d elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"4d8a40d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">Identity Information \u2013 name, address, personal contact details including email address and telephone numbers and<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85ad655 elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"85ad655\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">Technical Information \u2013 such as IP address, browser type and version, time zone settings, browser plugin types, operating systems and platform, device information including where mobile device the IMEI number, wireless networks and general network information.<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a2d47c elementor-widget elementor-widget-text-editor\" data-id=\"9a2d47c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tAnd, we collect your personal data for the following purposes,\n\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eabc7ed elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"eabc7ed\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">to design new or enhance existing products, information and services provided by us;<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b474569 elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"b474569\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">to process and administer your account, to implement and effect the requests or transactions contemplated by the forms available on our website or any other documents you may submit to us from time to time;<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-604c7e3 elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"604c7e3\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">to provide you with access to the content on the website, apps or social media platforms;<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a4b2e6 elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"1a4b2e6\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">to monitor your use of the website, apps and social media platforms and conduct analysis of the use of the website in order to operate, evaluate and improve the website and our services, understand your preferences and troubleshoot any problems;<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42e74fb elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"42e74fb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">to personalize the appearance of our websites, provide recommendations of relevant products, information and services and provide targeted advertising on our website or through other channels and<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a647e8 elementor-widget elementor-widget-bridge_icon_list_item\" data-id=\"7a647e8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"bridge_icon_list_item.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"q_icon_list\"><i class=\"qode_icon_font_awesome fa fa-check-circle qode-ili-icon-holder transparent\" style=\"font-size: 15px;\" ><\/i><p style=\"color:#555555;font-size: 16px;\">for the purpose of more effective marketing<\/p><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6df55b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a6df55b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Term Of Use\n<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fa5b16 elementor-widget elementor-widget-text-editor\" data-id=\"0fa5b16\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aac1354 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no elementskit-parallax-multi-container\" data-id=\"aac1354\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-941474b\" data-id=\"941474b\" data-element_type=\"column\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-6198b0b elementor-widget elementor-widget-text-editor\" data-id=\"6198b0b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>\u201cAYA SOMPO\u201d and its logos are registered trademarks of AYA SOMPO Insurance Company Limited. Except as indicated otherwise, all intellectual property, especially copyright and trademark rights, and similar rights in the information, text, graphic images, logos, features or functions, and layout contained on ayasompo.com are the exclusive property of AYA SOMPO, and may not be copied, reproduced, posted, transmitted or distributed, in whole or in part, in any form without first having obtained AYA SOMPO\u2019s express written consent.<\/p><p>Nothing on ayasompo.com should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on ayasompo.com will not result in the transfer, explicit or implied, of any rights. You may, download or print any pages from ayasompo.com for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.<\/p><p>The copyright in some documents and other material available on ayasompo.com may belong to third parties and such documents and other material have been produced on ayasompo.com with the permission of the third-party copyright owners. You must check copyright notices on or in respect of such documents or material.<\/p><p>Some of the links from ayasompo.com to other websites are provided for your information and convenience only.<\/p><p>A link from ayasompo.com to another website or a link from another website to ayasompo.com does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. AYA SOMPO believes that the links provided to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.<\/p><p>These Terms of Use are subject to amendments and changes at any time at AYA SOMPO\u2019s sole discretion. Accordingly, we suggest that you check these Terms of Use periodically for updates.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-f89fca8 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no elementskit-parallax-multi-container\" data-id=\"f89fca8\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-row\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ff2e32\" data-id=\"5ff2e32\" data-element_type=\"column\"><div class=\"elementor-column-wrap elementor-element-populated\"><div class=\"elementor-widget-wrap\"><div class=\"elementor-element elementor-element-dc5459a elementor-widget elementor-widget-spacer\" data-id=\"dc5459a\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"spacer.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-spacer\">\u00a0<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-e6192f9\" id=\"content-e6192f969de96108dc59\" role=\"tabpanel\"\n                         aria-labelledby=\"content-e6192f969de96108dc59-tab\">\n                        <div class=\"animated fadeIn\">\n                            \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"0b57d9d\"  data-elementskit-widgetarea-index=\"3\">\n\t\t\t<div class=\"widgetarea_warper_edit\" data-elementskit-widgetarea-key=\"0b57d9d\" data-elementskit-widgetarea-index=\"3\">\n\t\t\t\t<i class=\"eicon-edit\" aria-hidden=\"true\"><\/i>\n\t\t\t\t<span>Edit Content<\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"237304\" class=\"elementor elementor-237304\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d3bd14b elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"d3bd14b\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-156cbb5\" data-id=\"156cbb5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fa37b94 elementor-widget elementor-widget-heading\" data-id=\"fa37b94\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">AYA\/QAD\/PO\/001 Quality Policy<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-c5fdeab elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"c5fdeab\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52f452a\" data-id=\"52f452a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f03c770 elementor-widget elementor-widget-text-editor\" data-id=\"f03c770\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>With the approval of the Ministry of Planning, Finance and Industry of Myanmar, AYA Myanmar General Insurance Company Limited has entered into a joint-venture with Sompo Japan Nipponkoa Insurance Inc, resulting in a new JV company, AYA SOMPO Insurance Company Limited effective 1st January 2020, conducting GENERAL INSURANCE Business in Myanmar. AYA SOMPO Insurance Company Limited was issued with Joint Venture license from Ministry of Planning, Finance and Industry on 28th November 2019.<\/p><p>AYA SOMPO Insurance provides people in Myanmar with a sense of assurance and certainty.<\/p><p>1. The future is unknown, but planning ahead together with AYA SOMPO will help manage the uncertainties of tomorrow and give customers peace of mind.<\/p><p>2. AYA SOMPO leads the way in providing customer-centered solutions that are simple, accessible. It informs and educates, promoting financial literacy and financial inclusion for the nation.<\/p><p>3. AYA SOMPO is driven by the innovative spirit to deliver ever-better products and services. And we build up human capital beyond our company needs, for the needs of the country.<\/p><p>AYA SOMPO shall continually improve the effectiveness of the quality management system through the use of the quality policy, quality objectives, audit results, analysis of data, corrective and preventive actions and management review.<\/p><p>AYA SOMPO to further improve customer convenience and services. By investing not only capital but also our group\u2019s advanced technologies and human resources in AYA SOMPO, we will strive to achieve sustainable growth in AYA SOMPO\u2019s business performance and improve its governance. In addition, we will contribute to the penetration of 11 insurance II and the development of the marketing Myanmar.<\/p><p>Through our experience, AYA SOMPO shall also adhere and comply with the regulatory requirements. We are beyond an insurance company; we form a part of shaping Myanmar\u2019s future.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-b1887ec\" id=\"content-b1887ec69de96108dc59\" role=\"tabpanel\"\n                         aria-labelledby=\"content-b1887ec69de96108dc59-tab\">\n                        <div class=\"animated fadeIn\">\n                            \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"0b57d9d\"  data-elementskit-widgetarea-index=\"4\">\n\t\t\t<div class=\"widgetarea_warper_edit\" data-elementskit-widgetarea-key=\"0b57d9d\" data-elementskit-widgetarea-index=\"4\">\n\t\t\t\t<i class=\"eicon-edit\" aria-hidden=\"true\"><\/i>\n\t\t\t\t<span>Edit Content<\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"243243\" class=\"elementor elementor-243243\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-93fe2e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"93fe2e7\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-04baa3e\" data-id=\"04baa3e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2dc15b3 elementor-widget elementor-widget-text-editor\" data-id=\"2dc15b3\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Board believes that strong corporate governance is an important part of our company culture as it emphasizes on having the appropriate people, processes, and structures to direct and manage the business and affairs of the Company to enhance long-term shareholder value, whilst taking into account the interests of other stakeholders. Companies that embrace the tenets of good governance, including accountability, transparency, and sustainability, are more likely to engender investor confidence and achieve long-term sustainable business performance.<\/p><p><strong>BOARD OF DIRECTORS<\/strong><\/p><p>The Board of Directors of the Company has the dual role of setting strategic direction, and of setting the Company\u2019s approach to governance. This includes establishing an appropriate culture, values and ethical standards of conduct at all levels of the Company. The role of the Board is therefore broader than that of providing oversight. A well-constituted Board fosters more complete discussions, leading to better decisions and enhanced business performance.<\/p><p>The Company is headed by an effective Board which (i) is collectively responsible for the long- term success of the Company and (ii) works closely with management bodies and personnel who have authority and responsibility of planning, directing, and controlling the activities of the Company.<\/p><p>Good corporate governance is good for the Company, as a well-governed company is better placed to perform over the longer-term. A sustainably successful Company is good for myriad\u00a0\u00a0 stakeholders, employees, suppliers, customers, shareholders, as well as society at large.<\/p><p>Specific areas of responsibilities of the Board are:<\/p><ol><li>Directors are fiduciaries who act objectively and in good faith in the best interests of the Company and hold Management accountable for their performance. Constructive and challenging dialogue is essential for the effective functioning of the Board and each of the Directors shall fully and actively participate in such dialogue.<\/li><li>The Board puts in place a code of conduct and ethics, sets appropriate tone-from-the- top and desired organizational culture, and ensures proper accountability within the Company.\u00a0 Directors facing conflicts of interest recuse themselves from discussions and decisions involving the issues of conflict.<\/li><li>To address potential conflicts of interest, the Board shall formulate a Policy on Related Party Transactions in accordance with all applicable laws and regulations and in line with best practices. The policy should be reviewed by the Board on an annual basis.<\/li><li>Directors understand the Company\u2019s business as well as their Directorship duties (including their roles as executive, non-executive Directors) and expectations of the Company. Directors are provided with opportunities to develop and maintain their skills and knowledge at the Company\u2019s expense.<\/li><li>The Board decides on matters that require its approval and clearly communicates this to Management in writing.<\/li><li>Board Committees and Management Committees (if any), are formed with charters which clearly set out their composition, authorities, and duties, including reporting back to the Board. These include, without limitation, Audit, Risk &amp; Compliance Committee, Investment Committee and Human Resource and Remuneration Committee. Regardless of whether the Board chooses to form a Board Committee and\/or Management Committee and delegates certain matters to the Board Committee or Management Committee to decide, the Board is responsible for understanding the Board Committee and\/or Management Committees discussions and monitoring and endorsing the Board Committee and\/or Management Committee\u2019s decisions.<\/li><li>Directors attend and actively participate in Board and Board Committee meetings. Directors with multiple board representations ensure that sufficient time and attention are given to the affairs of each Company.<\/li><li>Management provides Directors with complete, adequate, and timely information prior to meetings and on an on-going basis to enable them to make informed decisions and discharge their duties and responsibilities.<\/li><li>The Board is supported by the company secretary (\u201cCo-Sec\u201d). The Co-Sec\u2019s responsibilities will include advising the Board on corporate and administrative matters, as well as facilitating orientation and assisting with professional development as required. The Co-Sec should attend all board meetings.<br \/><br \/><\/li><\/ol><p><strong>BOARD COMPOSITION<\/strong><\/p><p>The Board has an appropriate level of diversity of thought and background in its composition to enable it to make decisions in the best interests of the Company.<\/p><ol><li>Non-executive Directors make up a majority of the Board.<\/li><li>The Directors and the Board shall be supplied in a timely manner with information in a form of and of a quality appropriate to enable it to discharge its duties.<\/li><li>The Board and Board Committees are of an appropriate size and comprise Directors who as a group provide the appropriate balance and mix of skills, knowledge, experience, and other aspects of diversity, so as to avoid groupthink and foster constructive debate, and to drive the strategies in a manner that would sustain growth and protect the interests of the stakeholders in general and policyholders in particular.<\/li><li>Directors should possess the knowledge of group structure, organizational structure, processes and products of the Company and the Board generally complies with the following requirements: the Board and Key Management Personnel should understand the operational structure of the Company and have a general understanding of the lines of business and products of the Company, more particularly as the Company grows in size and complexity.<\/li><li>As the Company is part of larger group structure\/conglomerate, the Board should understand the material risks and issues that could affect the group entities, with attendant implication on the Company.<br \/><br \/><\/li><\/ol><p><strong>BOARD MEMBERSHIP<\/strong><\/p><p>The Board has a formal and transparent process for\u00a0\u00a0 the appointment and reappointment of Directors, taking into account\u00a0\u00a0 the need for progressive renewal of the Board.<\/p><p>The shareholders of the Company\u00a0 must elect or nominate Directors who: at a minimum,\u00a0 (i) would fulfil the fit and proper\u00a0 criteria\u00a0 imposed by the Financial Regulations Department of the Ministry of Planning and Finance of Myanmar, and (ii) has demonstrated integrity by his\/her personal\u00a0 behavior and business conduct, soundness\u00a0 of\u00a0 judgement\u00a0 and\u00a0 financial soundness;\u00a0 have\u00a0 established\u00a0 expertise in information\u00a0\u00a0 technology,\u00a0 finance\u00a0 and management\u00a0 such\u00a0 as accountancy,\u00a0 law,\u00a0 insurance, banking, economics etc. with\u00a0 qualifications\u00a0 and experience\u00a0\u00a0 that is appropriate to the Company;\u00a0 are able to allocate sufficient time to the Company to discharge his\/her responsibility effectively;(in the event of re-election or nomination of a previous Director) has received positive results of performance from the Board. The Board establishes a Human Resource and Remuneration Committee to make recommendations to the Board on relevant matters relating to:<\/p><ol><li>the review of succession plans for Directors, and the appointment and\/or replacement of Key Management Personnel.<\/li><li>the process and criteria for evaluation of the performance of the Board, its Board Committees, Management Committees, and Directors. For the avoidance of doubt, if a Director is a member of the committee, such Director shall abstain from participating in the discussions and evaluation of his\/her performance evaluation.<\/li><li>the review of training and professional development programmes for the Board and its Directors; and<\/li><li>the appointment and re-appointment of Directors (including alternate Directors (if any), which shall include an assessment on whether a Director elected or nominated by a shareholder fulfils the Minimum Requirement.<\/li><\/ol><p>The\u00a0\u00a0 Human\u00a0\u00a0 Resource\u00a0\u00a0 and\u00a0\u00a0 Remuneration Committee ensures that new Directors are aware of their duties and obligations. The Human Resource and Remuneration Committee also decides if a director is able to and has been adequately carrying out his or her duties as a Director of the Company.<\/p><p><strong>ACCOUNTABILITY AND AUDIT<\/strong><\/p><p><i>Risk Management and Internal Controls<\/i><\/p><p>The Board is responsible for the governance of risk and ensuring that Management maintains a sound system of risk management and internal controls, to safeguard the interests of the Company and its shareholders.\u00a0 The Board shall be responsible for the oversight over the control functions of the Company.<\/p><p>The Board determines the nature and extent of the significant risks which the Company is willing to take in achieving its strategic objectives and value creation. The Board sets up a Board Risk Committee to specifically address this, if appropriate. The Board lays down the policy framework to put in place:<\/p><ol><li>robust and efficient mechanisms for the identification, assessment, quantification, control, mitigation and monitoring of the risks.<\/li><li>appropriate processes for ensuring compliance with the Board approved policy and applicable laws and regulations.<\/li><li>appropriate internal controls, including governance structure\u00a0 with\u00a0 clear segregation of duties and defined responsibilities, to ensure that the risk management and compliance policies are observed.<\/li><li>an internal audit function capable of reviewing and assessing the adequacy and effectiveness of, and the Company\u2019s adherence to, its internal controls as well as reporting on its strategies, policies and procedures; and<\/li><li>independence of the control functions, including the risk management function, from business operations demonstrated by a credible reporting arrangement.<\/li><li>The Board to receive assurance from:<\/li><\/ol><p>(i) \u00a0the CEO and the head of finance that the financial\u00a0\u00a0 records\u00a0\u00a0 have been\u00a0\u00a0 properly maintained and the financial statements give a true and fair view of the Company\u2019s operations and finances; and<\/p><p>(ii) the CEO and other Key Management Personnel who are responsible, regarding the adequacy and effectiveness of the Company\u2019s risk management and internal control systems.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                        <\/div>\n                    <\/div>\n                                    <div class=\"tab-pane elementkit-tab-pane elementor-repeater-item-03844ce\" id=\"content-03844ce69de96108dc59\" role=\"tabpanel\"\n                         aria-labelledby=\"content-03844ce69de96108dc59-tab\">\n                        <div class=\"animated fadeIn\">\n                            \n\t\t<div class=\"widgetarea_warper widgetarea_warper_editable\" data-elementskit-widgetarea-key=\"0b57d9d\"  data-elementskit-widgetarea-index=\"5\">\n\t\t\t<div class=\"widgetarea_warper_edit\" data-elementskit-widgetarea-key=\"0b57d9d\" data-elementskit-widgetarea-index=\"5\">\n\t\t\t\t<i class=\"eicon-edit\" aria-hidden=\"true\"><\/i>\n\t\t\t\t<span>Edit Content<\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"243246\" class=\"elementor elementor-243246\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-48bfefe elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"48bfefe\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-76d8793\" data-id=\"76d8793\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-8360112 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"8360112\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c346fd5\" data-id=\"c346fd5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d9253b elementor-widget elementor-widget-heading\" data-id=\"4d9253b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">INTRODUCTION<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27caee8 elementor-widget elementor-widget-text-editor\" data-id=\"27caee8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>AYA SOMPO Insurance is strongly aware that Money Laundering and Terrorist Financing will be highly damaging to an insurance company\u2019s image, reputation and the insurance company may suffer legal risk. The Company is committed to the highest standards of Anti-Money Laundering (AML) and Combating the Financing of Terrorism (CFT) compliance and requires management and employees to adhere to these standards to prevent use of our products and services for Money Laundering and Terror Financing purposes.<\/p><p>AML\/CFT strategies, goals and objectives will be maintained in an effective Anti-Money Laundering procedures manual for the insurance\u2019s business that reflects the best practices for a financial institution.<\/p><p>The Company\u2019s AML\/CFT policy is the responsibility of all staffs. The policy includes client screening and monitoring requirements, \u201cKnow Your Customer (KYC)\u201d policies, Sanction Policies, record keeping requirement, the reporting requirements of threshold transactions and suspicious transactions and AML\/CFT training.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-0be062b elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"0be062b\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c7247e6\" data-id=\"c7247e6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-94dc72b elementor-widget elementor-widget-heading\" data-id=\"94dc72b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">ELEVANT LAWS AND REGULATION<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe51ad5 elementor-widget elementor-widget-text-editor\" data-id=\"fe51ad5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Company is practicing to comply with the following laws and regulations;<br \/>1. The Anti-Money Laundering Law of Myanmar (The Pyidaungsu Hluttaw Law No.11\/2014)<br \/>2. The Anti-Money Laundering Rule of Myanmar<br \/>3. The Counter Terrorism Law of Myanmar<br \/>4. IBRB\u2019s Directive No. (4\/2019)<br \/>5. Consolidated United Nations Security Council Sanction List<br \/>6. Sanction Regulations by Office of Foreign Asset Control (OFAC), U.S. Department Of The Treasury<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-b5fbc19 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"b5fbc19\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4682b2e\" data-id=\"4682b2e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1661d1c elementor-widget elementor-widget-heading\" data-id=\"1661d1c\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">DEFINITION OF MONEY LAUNDERING<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69cdb89 elementor-widget elementor-widget-text-editor\" data-id=\"69cdb89\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li>Money Laundering is defined as the following in Section 3(n) of Anti-Money Laundering Law of Myanmar;<br \/>Converting or transferring of money and property, knowing or having reason to know that it is money and property obtained by illegal means for the purpose of disguising or concealing the source or for the purpose of assisting before or after commission of the offence to any person who is involved in the commission of any offence to evade the legal action;<\/li><li>Changing the true nature, source, location and disposition of money and property, knowing or having reason to know that it is money and property obtained by illegal means and conceal or disguise of ownership or rights of such money and property;<\/li><li>Acquiring, possessing or using of money and property, knowing or having reason to know at the time of receipt that it is money and property obtained by illegal means;<\/li><li>Participating, facilitating, aiding, supporting, managing, counseling, being a member of an organized group in committing, attempting to commit or conspiring to commit any offences.<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-f04a5c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"f04a5c6\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-d2e0d71\" data-id=\"d2e0d71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05cda64 elementor-widget elementor-widget-heading\" data-id=\"05cda64\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">KNOW YOUR CUSTOMER (KYC) POLICY<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3c41e0 elementor-widget elementor-widget-text-editor\" data-id=\"d3c41e0\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol style=\"padding-left: 25px;\">\n \t<li>Know Your Customer (KYC) policy helps to build our relationship with customers. It includes the following processes;\nAcceptance Application Proposal<\/li>\n \t<li>Proposal Identification<\/li>\n \t<li>Proposal reviewing process<\/li>\n \t<li>Specific issue for insurance company<\/li>\n \t<li>Debit Note issue for Wire Transfers<\/li>\n<\/ol>\nCustomer Due Diligence shall be applied to customers, based upon customer risks, product risks and geographical risks. Enhance Due Diligence shall be applied to high-risk customers. The Company would not do business with shell insurer or AML\/CFT regime country and would not provide the products and services to those.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-63f9257 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"63f9257\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ba31484\" data-id=\"ba31484\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44188b3 elementor-widget elementor-widget-heading\" data-id=\"44188b3\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">RECORD KEEPING<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb63a66 elementor-widget elementor-widget-text-editor\" data-id=\"cb63a66\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>According to the Section 23 of Anti-Money Laundering Law of Myanmar. The Company shall maintain the records of the necessary information at least 5 years under local laws and regulations.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-31c817b elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"31c817b\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-37496a4\" data-id=\"37496a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5c7cfc elementor-widget elementor-widget-heading\" data-id=\"e5c7cfc\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LOCAL BLACK LIST AND INTERNATIONAL SANCTIONS<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-799fb55 elementor-widget elementor-widget-text-editor\" data-id=\"799fb55\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Company Sanctions producer is designed to ensure that our company with applicable local black list and international sanction regulations.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-b55698c elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"b55698c\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e7a5fdf\" data-id=\"e7a5fdf\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57dfc20 elementor-widget elementor-widget-heading\" data-id=\"57dfc20\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">ROLES AND RESPONSIBILITIES OF COMPLIANCE OFFICER<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46442de elementor-widget elementor-widget-text-editor\" data-id=\"46442de\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Compliance Officer of Head Office shall be approved by Chief Executive Officer. Compliance Officer of Head Office are specified in the section 28 (b) of the Anti-Money Laundering Law of Myanmar.<\/p><p>Branch Manager and Head of Department shall be appointed to perform proper AML\/CFT responsibilities of report to Compliance Officer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-ccf9b96 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"ccf9b96\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-211369a\" data-id=\"211369a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8cb486c elementor-widget elementor-widget-heading\" data-id=\"8cb486c\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">REPORTING<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ffe2d0 elementor-widget elementor-widget-text-editor\" data-id=\"2ffe2d0\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Branch Manager and Head of Department are, case by case, receive US$15,000\/- (equivalent MMK 22,000,000\/-) shall be reported to Head of Finance, Head of internal Audit and Compliance Officer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-ebb05d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"ebb05d4\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-989bde2\" data-id=\"989bde2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd93e77 elementor-widget elementor-widget-heading\" data-id=\"cd93e77\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">TRAINING<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08c29eb elementor-widget elementor-widget-text-editor\" data-id=\"08c29eb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>All new staff shall receive the AML\/CFT awareness training within six months after an employee has joined the Company. The Advanced AML\/CFT training and workshops will provide to specific level of staffs occasionally.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t                        <\/div>\n                    <\/div>\n                            <\/div>\n        <\/div>\n    <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Policies for Adaptability, Efficiency ,and transparency. Our policies ensure corporate adherence to market standards. Policies&#8230;<\/p>","protected":false},"author":1,"featured_media":266273,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-266257","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Corporate Policies - AYA SOMPO Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ayasompo.com\/en\/corporate-policies\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Corporate Policies - AYA SOMPO Insurance\" \/>\n<meta property=\"og:description\" content=\"Policies for Adaptability, Efficiency ,and transparency. 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